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Investor Presentaiton

Number of rating actions Managing Ratings1 in Turbulent Times Non-Financial Corporates: COVID-19 Dashboard (Q4 2021) Recovery in credit quality still intact; rating actions reveal a thoughtful and measured approach to credit Upgrades surpass downgrades in late 2020; speculative-grade default rate declined; some risks to the recovery on the horizon Upgrades - Downgrades --Represent default rate - Building heights represent the global speculative grade default rate on a trailing 12-month basis Certain sectors and lower rating categories remain more pressured 350 300 250 200 3.6 150 100 50 0000000 6.8 SECTOR % NEGATIVE OUTLOOK/REVIEW-DN Transportation: Consumer 33 7% Hotel, Gaming & Leisure 30 Aerospace & Defense 6% Global All Sectors 30 10 13 15 Investment Grade All ●Speculative Grade 5% Regional - All Sectors vum 11 12 17 19 4% 3% 1.7 2% T T T T MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY T JUN JUL AUG SEP OCT NOV DEC 2020 2021 COVID-19 downgrades pick up as the virus spreads around the world. 1. Non-Financial Corporates as of 4Q 2021. Moody's | Better decisions Trailing 12-month speculative-grade default rate; forecast uses Credit Transition Model North America Latin America APAC EMEA Represents the percentage of issuers within each sector with a negative outlook or under review for downgrade at 9 January 2022. Sectors shown are at least 10 points above the global average Most downgrades since outbreak have involved speculative-grade issuers Nearly 3,800 rated corporates 1% globally 185 Investment Grade 0 131 Baa 48 1 5 A Aaa Aa 1,173 Speculative Grade 730 B 224 Ва 213 Caa 6 Ca Calculated based on each issuer family since 1 March 2020; some issuer families have been downgraved more than one time over that horizon. Some issuers have changed legal entities or otherwise do not align perfectly with entities present at 1 March 2020. A significant number of new issuers were also added 4Q & FY 2021 Investor Presentation 32
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